City Union Bank
SalarySe Level UP Credit Card (City Union Bank)
Earns SalarySe SCoins worth about 1% on regular spends (2% on monthly spend above ₹20,000) and 5% on SalarySe UPI on the 1st and last day of the month (7.5% with the paid physical card); lounge access comes with the paid physical card.
- Lifetime free
- Works on UPI (RuPay)
- RuPay
Pros and cons
Good
- Lifetime free: no joining or annual fee
- Works on UPI and earns 1% there
- Low forex markup (2%)
Watch out for
- Earns nothing on wallet loads and fuel
- Who it's for
- Anyone who wants a no-fee card for everyday spends that also works on UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 0%
- UPI
- 1%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Virtual card is lifetime free. Optional physical + virtual card: ₹500 + GST joining, ₹500 + GST annual from year 2 (waived on ₹2 lakh annual spend).
- Forex markup
- 2%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400-3,000, max ₹300 per statement cycle
Benefits and eligibility
- Airport lounge
- Physical card only: 12 domestic visits a year (1 a month), each unlocked for the next billing cycle by spending ₹10,000 in the current one (each pass expires 30 days after it is credited); the free virtual-only card has no lounge access.
- Card network
- RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Eligibility criteria and minimum income aren't published; SalarySe offers an eligibility check before you apply.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the SalarySe Level UP Credit Card (City Union Bank)?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by City Union Bank.
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Questions people ask
Is the SalarySe Level UP Credit Card (City Union Bank) worth it in 2026?
Yes, as a no-fee card for everyday spends that also works on UPI: it costs nothing to keep. The catch: earns nothing on wallet loads and fuel.
Is the SalarySe Level UP Credit Card (City Union Bank) lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the SalarySe Level UP Credit Card (City Union Bank) work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.
Does the SalarySe Level UP Credit Card (City Union Bank) give airport lounge access?
Physical card only: 12 domestic visits a year (1 a month), each unlocked for the next billing cycle by spending ₹10,000 in the current one (each pass expires 30 days after it is credited); the free virtual-only card has no lounge access.
What earns no rewards on the SalarySe Level UP Credit Card (City Union Bank)?
Also no rewards on quasi-cash and gambling. Rent, railways, government, insurance, education, telecom, contracted services, agriculture, tolls, post office, bill payments (MCC 6012) and offline transactions under ₹2,000 at small merchants earn only the base 1 SCoin per ₹100 (0.2%), as do UPI payments through apps other than SalarySe.
Is there a limit on rewards with the SalarySe Level UP Credit Card (City Union Bank)?
SalaryDay Bonus (SalarySe UPI on the 1st and last day of the month) applies to up to ₹15,000 of spend per billing cycle: at most 3,750 SCoins (₹750) on the free virtual card, 5,625 SCoins (₹1,125) with the paid physical card. Base, accelerated and super-accelerated rewards together are capped at 10% of the credit limit a month (e.g. 10,000 SCoins, ₹2,000, on a ₹1 lakh limit); SalaryDay Bonus is on top of this.
Who can get the SalarySe Level UP Credit Card (City Union Bank)?
Eligibility criteria and minimum income aren't published; SalarySe offers an eligibility check before you apply. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read City Union Bank's own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on City Union Bank's official page. Fees and rewards change; check the issuer's terms before you apply.